---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-056312"
form_type: "8-K"
ticker: "EARN"
cik: "0001560672"
company_name: "Ellington Credit Co"
filed_at: "2026-08-12T20:52:04+00:00"
generated_at: "2026-08-12T20:53:14.477408+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Ellington Credit posts Q2 net income $12.3M, NAV $4.18/share

## Summary
- NAV per share $4.18 at 6/30/26; quarterly economic return 8% (non-annualized)
- GAAP net income $12.3M ($0.33/sh) vs Q1 net loss $32.3M ($0.86 loss/sh)
- NII $6.1M ($0.16/sh); adjusted NII $5.7M ($0.15/sh)
- CLO portfolio fair value $334.1M; recurring cash distributions $17.6M ($0.47/sh)
- Declared $0.08/sh monthly distributions through Sept 30, 2026 payment

## SEC filing metadata
- accession: 0001628280-26-056312
- form_type: 8-K
- ticker: EARN
- cik: 0001560672
- company_name: Ellington Credit Co
- filed_at: 2026-08-12T20:52:04+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1560672/000162828026056312/0001628280-26-056312-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1560672/000162828026056312/earn-20260812.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-056312
- JSON: https://secwatch.observer/filing/0001628280-26-056312.json
- Plain text: https://secwatch.observer/filing/0001628280-26-056312.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.